 Overview |
 Market Value & Eligibility |
 Mortgage Loan |
PROPERTY LOAN / HOME REFINANCING
PURCHASING A NEW PROPERTYÂ
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Market ValueÂ
Eligibility
WHAT IS A MORTGAGE / HOME LOAN?
A mortgage/home loan is financing provided by a mortgage lender or bank that allows individuals to purchase a home. The borrower must repay the loan over time, and it’s common to secure a loan for up to 90% of the home’s value.
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Frequently Asked Questions
1. What are the penalties if I settle the loan before the lock in period?
Most of the bank lock in period is between 3 – 5 years. The penalty charges can range between 2%-3% of the full loan amount.
2. Can I pay more every month to reduce my principle amount?
Most bank allows you to make extra payment to reduce your principle loan amount caused mortgage/home loan interest is calculated as daily interest. It is best to look into your bank loan letter offer before make any plan for this.
3. What are the legal fees charges that customer needs to pay?
In Malaysia, you have to pay for legal and stamp duty charges when you take a mortgage/home loan. You may look into some bank campaign that comes with zero moving cost packages occasionally. Zero moving costs mean that bank absorbs part or all of the legal and stamp duty charges. However, some banks do this with a very competitive rate and longer lock in period, so do your calculations and budgets before you accept the offer.
4. If I have late payment more than one month for my loan facility can I apply for a loan?
What you should do is to make appointment with your existing bank loan facility bank that you have defaulted to restructure and reschedule the loan repayment first then only apply for a new loan.
5. Where can I check or print my ccris report
You may follow the steps below
How to obtain CCRIS reports without coming to BNM
- Download the form at http://bnm.my/ccrisform
- Complete the form and provide all relevant documents
- Submit the form and documents through webform – https://telelink.bnm.gov.my
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